Typically, in a case as you have described, the process would be "judicial" foreclosure proceeding; however, the only way to be fairly certain is to carefully review and inspect the original mortgage, promissory note and any additional addenda contained therewith.
Essentially, it would behoove you to immediately seek counsel to at least review said original documentation and to advise you on your current options. Should you have any further questions, comments or concerns, feel free to reach out anytime.
I would immediately seek counsel. Any time in a foreclosure matter, time is of the essence. You need an attorney to look over the documents to be sure. Most likely foreclosure would be through the courts.